Money Tools — Heart & Treasure

Start here

Six tools. You can use one and ignore the rest, or work through them in order. They talk to each other, so a number you enter once shows up everywhere it belongs.

How this works

You only type in the blue boxes. Everything else fills itself in.
Your numbers are saved in this browser, on this device. Nothing is sent anywhere, nobody sees them, and there is no account to make.
These are estimates to guide you. They are not promises, and they are not personalized financial advice.

The tools

Your numbers

Everything lives in this browser only. Clearing your browser data, or opening these tools on a different device, starts you over. If you want a copy you can keep, use Print on the Kingdom Plan tab and save it as a PDF.

Week 5

My Simply Seven Plan

Where every dollar goes each month. Give goes first, which is the whole theology in one row.

My monthly take home payWhat actually lands in the bank

My trackFrom the Money Mirror

Do you pay for kids' care or school costs?

Do you pay healthcare costs out of pocket?

CategoryTypical for my trackMy %Each month

Total0%$0

Start by typing your take home pay in the blue box above.

When money runs short, fund in this order

Give, your first fruits amount
The essentials: housing, utilities, food, transportation
Minimum payments on every debt
Savings, the starter emergency fund
Extra to your first target debt
Discretionary, with whatever remains, guilt free

Week 5

The ten minute week

Once a week: empty the envelopes, add up each category, type the totals. That is the whole system.

Month

Category	My plan	Wk 1	Wk 2	Wk 3	Wk 4	Wk 5	Spent	Left	How am I doing?

Build your plan first and these rows fill themselves in.

Week 4

My Freedom Number

List every debt except a mortgage that is serving you. This number is the name of an enemy. It is not your name.

Extra I can put toward debt each monthBeyond the minimums

My Freedom Number

—

Everything you marked as a Master, added up.

Minimum payments on Master debts each month—

Blended interest rate—

Months until I am free (estimate)—

My debt free date (estimate)—

Fight order is triage, then momentum. Predatory debts first, then smallest to largest. Kill number one first.

The estimate assumes you take on no new debt, and that each dead debt's payment rolls into the next one.

Week 6

My wall

The emergency fund is not a reward for getting stable. It is the tool that creates stability.

My track

What one normal month of life costs us

Saved for emergencies so far

What I can move to the fund each month

My target — this is what full means

—

Choose your track to see what full means for you.

Not started yet.

Still to build—

Months until the wall is full—

The wall is full on (estimate)—

Remember what counts as an emergency: unexpected, necessary, and now. A sale is not an emergency. Christmas is not an emergency. It comes every year, with carols.

Week 8

The boring miracle

Time, not brilliance, grows money. Everything below is an estimate. Not a promise, and not personalized advice.

Part one — the free money check

My yearly salary

My employer matches up toAs a percent of salary

I currently put inAs a percent of salary

Free money I am capturing each year—

Free money I am leaving on the table each year—

Fill in the three boxes above to see whether you are leaving money behind.

Part two — the planting math

I plant this much every month

Yearly growth guess8% is the long run stock market average

In 10 years this becomes about—

In 20 years—

In 30 years—

In 40 years—

Part three — the cost of waiting

Start now, plant for 30 years—

Wait 10 years, plant for 20—

What a ten year wait costs

—

Same monthly amount. Same rate. Only the start date moved.

Chapter 9

My Kingdom Financial Plan

The whole journey, gathered onto one page. The numbers flow in from the other tabs.

Where I stand

My monthly giving, first fruits, church first—

My giving percentage—

My Freedom Number, the enslaving debt to kill—

My debt free date (estimate)—

My wall, the emergency fund target—

The wall is full on (estimate)—

I plant this much for the future each month—

My 90 day next steps

Specific enough that a friend could check them.

Step 1

Step 2

Step 3

My one year vision

Dated one year from today. Write it in the present tense, as though it has already happened.

My Kingdom legacy statement

One paragraph. One breath. Read it aloud to witnesses.